What is your checkout actually costing you?
Cards cost 2.9% + $0.30 on every order, and the fee grows with the basket. Every order can stop costing you that, one of two ways: move it to bank transfer with PayLayer at 0.8% capped at $5, or keep it on cards and recover the fee with FeeLayer. Set your volume and your mix below: the calculator uses Stripe's published rates, so what you see is the math, not a projection.
See what you'd stop losing.
Every order takes one of two paths. Orders that move to bank transfer shrink the fee with PayLayer. Orders that stay on cards recover it with FeeLayer. Set the mix and see both.
Assumes Stripe standard card processing (2.9% + $0.30) and Stripe ACH (0.8%, capped at $5 per transfer). FeeLayer recovery is net of card processing on the surcharge itself; the fee auto-waives for orders shipping to CT, MA, and ME, which this estimate does not subtract. Each order takes one path, so the two figures never double-count. Your actual results depend on your processor, card mix, and how many buyers choose bank transfer.
Keep the savings, skip the work.
PayLayer runs the whole bank-transfer flow on its own: your customer picks it at checkout, the pay link emails itself, and the order marks itself Paid when the money settles. Add FeeLayer to recover the fee on orders that stay on cards.